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Freeway Insurance review 2025

Updated Jan 17, 2025
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At a glance

Freeway Insurance car insurance review

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Pros

  • Policies sold in all 50 states
  • Advertises affordable premiums
  • Offers SR-22 filings for high-risk drivers
  • Variety of add-on coverage available
Red circle with an X inside

Cons

  • Freeway doesn’t underwrite its own policies
  • Fewer discounts than competitors
  • Local offices are not in every city
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Freeway Insurance home insurance review

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Pros

  • Advertises low-cost home insurance
  • Can compare multiple home insurance quotes simultaneously
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Cons

  • Must call for a quote; online home insurance quotes are not available
  • Not available in every state
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Freeway life insurance review

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Pros

  • Term and whole life policies available
  • Offers online quotes
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Cons

  • No endorsements advertised
  • No coverage limits mentioned online
  • Policies are not underwritten by Freeway

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Freeway Insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Freeway Insurance a good insurance company?

Reddit User 1*
May 6, 2024
Nonrefundable fees
Buyer beware, this insurance broker only directs you to another insurance company, and for doing so, they charge you an exorbitant non-refundable fee. In our case, the fee was about the same amount I had to pay the other insurance company for 6 months of coverage. This is ridiculous, Freeway Insurance assumes no financial liability and earns just as much as the company they refer you to. When I found a better insurance company for less, I canceled the original policy, but I was unable to get the brokerage fee (over $350) back from Freeway Insurance.
via Reddit
Reddit User 2*
Mar 4, 2024
High, hidden broker fees
This place is the worst company that I've ever dealt with they lie to you just to try to get your money I was never told anything about a broker's pay I'm on social security and I told the girl over and over that that I just needed liability for the DMV but I was on a limited income and I have no extra money they charged me $422 saying that I was getting the six months and after that I would have a payment but two weeks later I was canceled for non-payment when I paid the $422 in full so I called them and they told me that there was nothing they could do that it was a broker fee
via Reddit
TrustPilot User 1*
Jul 7, 2024
Easy quotes and low price
My experience with getting car insurance from Freeway insurance was great. I will recommend them to anybody that needs car insurance. They got all my information gave me a quote and you guys were able to beat everybody else. I appreciate it. The agent was awesome thank you so much.
TrustPilot User 2*
Jun 23, 2024
Fast quoting process
This was such an easy process, I googled car insurance near me, 3 companies came up, I called the first company and got a voice-mail saying, closed for lunch, called the second company and the lady said she wanted to text me some questions about what I needed first but I didn't want to do that, I just wanted a quick quote. So I called the third number and is was Freeway insurance, I told the man I wanted a quote. He asked me some questions and we talked about prices, he found me a policy I could afford and I paid and then I was emailed copies of insurance cards. It was so perfectly easy. I am a very happy customer.

Methodology

Auto

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Home

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2017 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

What policyholders are saying about Freeway

CTA Freeway has 24 reviews

Freeway has 24 reviews

Dive into community reviews below and see what others think about Freeway.

4.3 Star Icon
24 ratings
Info Icon
83% of consumers
recommend this insurer
Score breakdown
5 stars
50%
4 stars
33%
3 stars
13%
2 stars
4%
1 star
0%
Score by category
Overall rating 4.3 / 5
Original cost 3.8 / 5
Coverage 4.0 / 5
Customer Support 4.0 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Freeway.
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Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The company was chosen for me
How does this insurer compare to insurance companies you’ve had in the past?
It’s overall pretty good
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I basically chose Freeway insurance because a friend recommended it to me, and it was a good price and the cutomer service seemed good.
How does this insurer compare to insurance companies you’ve had in the past?
I think this insurance company is the same or maybe perhaps better than other insurance copanies that ive had in the past.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The prices were low and they were very helpful of finding a meeting my needs
How does this insurer compare to insurance companies you’ve had in the past?
If they are more helpful and cheaper and cost
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Iot is very good also have a good customer services compåare to othes that i wont approved for
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I heard a lot of great things about them
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I will never leave this insurance company. I love the customer service
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
One I came across I really should have shopped around honestly
How does this insurer compare to insurance companies you’ve had in the past?
Looking for anything cheaper with enough coverage for myself alone
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 2 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Freeway is much better than other insurance companies i’ve tried in the past in many ways, going from the customer survive and their amazing coverage.
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They've been open and very helpful when it came to explaining my coverage. They have been transparent with all my needs and questions.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their ability to go above and beyond when it came to the portions of my insurance claims. I feel the pricing should have been lower with my driving record being clean with no accidents.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They gave me the lowest monthly rate and it had more coverage
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The price of my monthly bill
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Saw a lot of promotions saying it’s a good insurance
How does this insurer compare to insurance companies you’ve had in the past?
Never tried any other insurance company
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance